Remortgage mortgage rates
Use RateWatch as a mortgage rate tracker for current remortgage rates in the UK by lender, LTV, term and fee.
Which lenders look competitive for remortgage borrowers right now?
This page compares remortgage mortgage rates. It is built for homeowners whose current mortgage deal is ending or who want to compare a new lender against a product-transfer option. It is designed for people searching current mortgage rates UK and checking how lender pricing has moved. The latest lender update included on this page is 13 June 2026, with 7 lenders and 42 current table rows in scope.
- The lowest rate currently captured for this page is 3.72% from Barclays for 2 Year Fixed at 70% LTV.
- The best rates by term in this dataset are spread by about 24 basis points, which is why term choice matters as much as lender choice.
- The freshest lender updates in this view include NatWest, HSBC, Nationwide and Halifax.
- Tracker rates are normalised against the current Bank of England base rate used by RateWatch: 3.75%.
- Remortgage searches are usually time-sensitive: the borrower already owns the property and wants to know whether switching lender could beat their current renewal route after fees and eligibility are considered.
Mortgage rate tracker for current UK rates
RateWatch is built for borrowers and brokers who want a mortgage rates tracker that goes beyond a static table. The page brings together lender, LTV, product term, fee tier and update date so you can compare current mortgage rates UK-wide with useful context.
If you are asking how to check mortgage rates daily, start with the update date, then compare similar products rather than mixing borrower types. The latest update in this view is 13 June 2026, so it can help answer what is the mortgage rate today within this remortgage dataset. When comparing the best mortgage rate tracker options, look for transparent lender data, clear dates and a way to separate remortgage, new purchase and first-time buyer rates. Unlike a broad interest rate tracker, this view is focused on mortgage products and lender eligibility context.
Best captured rates by product type
Barclays at 70% LTV, GBP 999. Average captured rate: 4.82% across 42 rows.
Barclays at 70% LTV, GBP 999. Average captured rate: 4.79% across 41 rows.
Halifax at 60% LTV, GBP 999. Average captured rate: 4.28% across 29 rows.
How to use this remortgage comparison
For remortgage borrowers, timing matters. Many borrowers start comparing around six months before their current deal ends, because some lenders let you secure a new offer before the existing rate expires.
The table below helps you compare the headline rate, LTV and fee together. It should sit alongside your current lender's product-transfer offer, legal costs, valuation requirements and any early repayment charge.
In this dataset, the leading captured rate is 3.72% from Barclays, but the right deal depends on whether that product matches your LTV, fee preference and eligibility.
Lender snapshot
This view summarises the strongest captured rate per lender within the current page filters. It is designed to help you spot which lenders deserve a closer look before you use the full table.
2 Year Fixed at 70% LTV, GBP 999. Latest row: 29 May 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 10 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 10 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 5 June 2026.
2 Year Fixed at 65% LTV, GBP 999. Latest row: 8 June 2026.
2 Year Fixed at 65% LTV, GBP 999. Latest row: 8 June 2026.
2 Year Fixed at 60% LTV, GBP 995. Latest row: 13 June 2026.
How LTV changes the rate
Loan-to-value is one of the biggest pricing levers in UK mortgage rates. Lower LTV bands often price more cheaply because the lender is taking less risk, but the best lender can vary by band.
- 60% LTV: 4.40% from Nationwide (2 Year Fixed, GBP 999).
- 65% LTV: 4.58% from Halifax (2 Year Fixed, GBP 999).
- 70% LTV: 3.72% from Barclays (2 Year Fixed, GBP 999).
- 75% LTV: 4.59% from Nationwide (2 Year Fixed, GBP 999).
- 80% LTV: 4.57% from Santander (2 Year Fixed, GBP 999).
- 85% LTV: 4.66% from Nationwide (2 Year Fixed, GBP 999).
- 90% LTV: 5.13% from NatWest (2 Year Fixed, GBP 995).
- 95% LTV: 5.60% from Nationwide (2 Year Fixed, GBP 999).
Seven focused lender entries
This is deliberately not a long rate dump. RateWatch selects up to seven highly relevant rows from the full dataset, ranked by the best matching rate and diversified by lender where possible. The wider row count is still used for the stats and analysis above.
| Lender | Product | LTV | Focused rate | Fee | Updated | Why included |
|---|---|---|---|---|---|---|
| Barclays | Remortgage | 70% | 2 Year Fixed3.72% | GBP 999 | 2026-05-29 | Best captured 2 year fixed row for Barclays in this view. |
| Halifax | Remortgage | 60% | Tracker3.96% | GBP 999 | 2026-06-08 | Best captured tracker row for Halifax in this view. |
| Lloyds | Remortgage | 60% | Tracker3.96% | GBP 999 | 2026-06-08 | Best captured tracker row for Lloyds in this view. |
| HSBC | Remortgage - Residential | 60% | Tracker4.05% | GBP 999 | 2026-06-10 | Best captured tracker row for HSBC in this view. |
| Santander | Remortgage | 80% | Tracker4.27% | GBP 999 | 2026-05-22 | Best captured tracker row for Santander in this view. |
| NatWest | Remortgage | 60% | Tracker4.28% | GBP 995 | 2026-06-13 | Best captured tracker row for NatWest in this view. |
| Nationwide | Remortgage | 60% | 2 Year Fixed4.40% | GBP 999 | 2026-06-10 | Best captured 2 year fixed row for Nationwide in this view. |
Showing 7 focused entries from 42 current rows in this page's dataset.
Remortgage mortgage rate questions
What are remortgage mortgage rates?
Remortgage mortgage rates are lender prices for borrowers in this category. The available rate can change by LTV, product term, fee tier, customer type and lender eligibility rules.
Who has the best remortgage mortgage rate right now?
The lowest captured rate in this page's current dataset is 3.72% from Barclays for 2 Year Fixed at 70% LTV. Check the fee and Updated column before treating it as the cheapest deal.
How often does RateWatch update these pages?
RateWatch refreshes lender data through scheduled scraper runs and updates these programmatic pages from the latest stored lender rows. Some lenders publish rate tables more frequently than others.
How can I check mortgage rates daily?
Use a mortgage rate tracker that shows the lender, product type, LTV, fee and update date together. RateWatch refreshes its current mortgage rates UK pages from stored lender rows so each page shows when the latest table data was captured.
What is the mortgage rate today?
The lowest captured rate in this page's current dataset is 3.72% from Barclays for 2 Year Fixed at 70% LTV. Check the fee and Updated column before treating it as the cheapest deal.
Why might the lowest headline rate not be the cheapest mortgage?
A mortgage with a lower rate can still cost more if it has a higher product fee, weaker incentives, a less suitable term or eligibility criteria that do not match the borrower.
How RateWatch builds this page
This page is generated from RateWatch's lender-rate database, using current rows marked as latest for the selected product category, LTV and term filters. It is designed as a mortgage interest rates tracker, not a paid advert and not mortgage advice.
The newest lender row in this view is dated 13 June 2026. The oldest row still included is dated 22 May 2026 because lenders do not all publish at the same frequency. The active customer-type filter is: Low fee.
Before acting, confirm the product directly with the lender or a qualified adviser. Rates can change quickly and borrower eligibility, fees, incentives and affordability checks can materially change the best option.